Compare legal limits, fees and the true cost of small loans in your state before you talk to any lender. Compare legal limits, fees and the true cost of small loans in your state.
Pawn Shops vs Payday Loans in Saint Joseph, MO
2 pawn shops in and around Saint Joseph — 2.4 per 100,000 residents, compared with 3.0 across Missouri. Call ahead to ask what they're buying and lending on today: inventory needs change weekly. Saint Joseph ranks #8 of 12 Missouri cities with pawn shops by shops per resident.
- Pawn shops
- 2
- Pawn shops per 100k
- 2.4
- Missouri: 3.0
- Big-chain shops
- 1
- Payday & loan stores
- 10
- Population
- 82,702
Pawn shops in Saint Joseph: addresses and phone numbers
| Pawn shop | Address | Phone | Website |
|---|---|---|---|
| American Gold Mine | 2102 S Belt Hwy Saint Joseph, MO 64507 | (816) 232-2092 | agmpawn.com |
| Pawn PlusChain | 106 S Belt Hwy St Joseph, MO 64506 | (816) 676-2363 | pawnplus816.com |
Pawn shops vs payday loan stores in Saint Joseph
Saint Joseph has 10 payday, installment and title loan stores but only 2 pawn shops.
Pawn shops
2
2.4 per 100k residents
Payday & loan stores
10
12.1 per 100k residents
10 store chains
Biggest loan store chains in Saint Joseph: Advance America (1), Check 'n Go (1), Check Into Cash (1), Lendmark Financial Services (1), Mariner Finance (1).
Borrowing $500 for one month: payday vs pawn vs credit union
| Option | How it works | Cost for one month |
|---|---|---|
| Payday loan (~462% APR) | $75.00 fee every 2 weeks, renewed once | $150.00 |
| Pawn loan (example: 20% a month) | You leave an item worth more than the loan; repay to get it back | $100.00 |
| Credit union PAL (28% APR + $20 fee) | Repaid in installments; membership required | $31.67 |
- Payday cost, share of monthly household income in Saint Joseph
- 3.1%
- Pawn cost, share of monthly household income in Saint Joseph
- 2.0%
- A $400 emergency equals
- 2.5 days of income
Payday: a typical fee of $75 on a $500 loan for 2 weeks, paid twice for a one-month loan (Missouri payday rules are not set in dollars or payday loans are not allowed). Pawn: an example rate of 20% a month; pawn fees and interest are set by Missouri law and vary by shop — ask for the total in writing. PAL: payday alternative loan from a federal credit union, capped at 28% APR plus an application fee of up to $20.
Pawn loan vs payday loan: the key differences
| Pawn loan | Payday loan in MO | |
|---|---|---|
| What you need | An item of value (jewelry, gold, electronics, tools, firearms) and an ID | A bank account, proof of income and an ID |
| Credit check | None | Usually none |
| How much you get | A fraction of the item's resale value | Based on your income, up to the state limit |
| If you can't repay | The shop keeps the item; no collections and no credit damage | Fees pile up with renewals; the debt can go to collections |
| Bank account access | None | Lender can debit your account or cash your check |
| Rules in Missouri | Pawnbrokers are licensed and regulated by Missouri; fees, terms and holding periods are set by state law | Allowed, up to $500; typical APR ~462% |
Saint Joseph at a glance
- Median household income
- $58,931
- Missouri: $73,651
- Poverty rate
- 17.0%
- Missouri: 12.7%
- Households under $25,000
- 21.4%
- Missouri: 16.2%
- A $400 emergency equals
- 2.5 days of income
Payday and installment loan stores in Saint Joseph
For comparison: storefront payday, installment and title lenders in Saint Joseph with addresses, phone numbers and hours.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
| 1401 N. Belt Hwy. Saint Joseph, MO 64506 | (816) 364-1381 | Mon–Fri 10:00 AM – 6:00 PM Sat 10:00 AM – 2:00 PM Sun closed |
— |
| 409 N Belt Hwy Ste C St Joseph, MO 64506 | (816) 233-1254 | — | 4.9 |
| 1101 S Belt Hwy St Joseph, MO 64507 | (816) 364-4789 | — | 4.9 |
| 139 N Belt Hwy Ste h St Joseph, MO 64506 | (816) 558-6060 | — | 4.3 |
| 3302 S Belt Hwy Suite E St Joseph, MO 64503 | (816) 259-5209 | — | 4.8 |
| 3007 N Belt Hwy #104d St Joseph, MO 64506 | (816) 279-4777 | — | 4.0 |
| 2115 N Belt Hwy Ste F St Joseph, MO 64506 | (816) 279-3638 | — | 4.9 |
| 1212 S Belt Hwy St Joseph, MO 64507 | (816) 364-3489 | — | 4.9 |
| 2229-D N Belt Hwy St Joseph, MO 64506 | (816) 233-4414 | — | 4.9 |
| 601 S Belt Hwy St Joseph, MO 64507 | (816) 232-9444 | — | 4.9 |
Pawn shops near Saint Joseph
More about Saint Joseph
Pawn shop listings: © Overture Maps Foundation (CDLA-Permissive 2.0), including Foursquare OS Places and © OpenStreetMap contributors; filtered and de-duplicated by us. Population, income and poverty: U.S. Census Bureau, American Community Survey. Call ahead to confirm hours and what a shop buys or lends on.